1. Collection of Personal Information
“Personal Information” is information from which your identity is apparent or can be reasonably ascertained. The types of information generally collected by us include your name, date of birth, residential and/or postal address, telephone number, email address, credit card details or a copy of your current drivers licence.
You acknowledge and agree that the collection of this information is required by us in order to provide you with our services.
2. Use and Disclosure of Personal Information
We will only use your Personal Information for the purposes for which it was collected and we will not disclose your Personal Information without gaining your consent except where such disclosure is required by law.
We have secured our Website using industry standard technology. However, we cannot provide any guarantee with respect to the security of your Personal Information and we will not be liable for any breach of security or unintended loss or disclosure of information due to the Website being linked to the Internet.
We use your Personal Information in the following ways:
(a) to deliver services you have requested from us;
(b) to confirm your identity;
(c) as required, for the purposes of debt recoveries and consumer credit rating; and
(d) for direct marketing purposes.
For direct marketing purposes, your Personal Information will be added to our database. The database may be used for ongoing marketing and educative purposes. The type of marketing and educative activities that we undertake includes forwarding material to you so that you are kept updated in relation to various issues and our services. If at any time you do not wish to continue receiving this information, we provide an “opt-out” procedure in each communication to you.
By disclosing your Personal Information to us, you consent to your Personal Information being disclosed to our overseas service providers, who may be located in the United States, India or other countries and which may not meet the standard set by clause 8.1 of the Australian Privacy Principles.
3. Opting Out
In each generic correspondence sent out to you, we will endeavour to include simple instructions on how you can immediately unsubscribe from the relevant mailing list. You can also opt out from receiving promotional material by contacting us directly.
4. Accessing, Updating and Correcting your Personal Information
You may request from us in writing to provide you with details of the Personal Information we hold about you. We will endeavour to process your request as soon as practicable. If we deny your request, we will provide reasons in writing as to our decision. To complain or contest our decision, please contact our Privacy Officer.
If you wish to amend information that is out of date or incorrect, or if you wish for your Personal Information to be removed from our database, please contact our Privacy Officer.
We will use all reasonable endeavours to secure any Personal Information we hold about you and to keep this information accurate and up-to-date. Your Personal Information is stored behind industry standard firewalls and where applicable, protected by user names and passwords.
You may be required to have a cookie-enabled browser to fully access the Website. A cookie is a piece of data stored on your computer tied to information about you. Cookies may be used to track your internet browsing activities and the websites you have visited.
(a) your internet protocol (IP) address;
(b) the date and time of your visit;
(c) the pages you have accessed and documents downloaded; and
(d) the type of browser you were using.
9. Contact Information
65 York Street
Sydney NSW 2000
Upon receipt of a complaint, we will work with you to resolve your complaint. If we are unable to resolve your complaint to your satisfaction within a reasonable time frame, you may refer your complaint to the Privacy Commissioner